Toyota Highlander Insurance Rate Quotes in Jersey City

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If you want to find the absolute lowest rates, then the best way to get the cheapest Toyota Highlander insurance in Jersey City is to do a yearly price comparison from insurance carriers who can sell car insurance in New Jersey. Drivers can shop around by following these steps.

  1. Read and learn about how car insurance works and the things you can control to keep rates down. Many things that cause high rates like traffic citations and an unacceptable credit history can be remedied by improving your driving habits or financial responsibility. Keep reading for instructions to prevent rate hikes and find discounts that you may qualify for.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple companies.
  3. Compare the new quotes to your current policy and see if there is a cheaper rate. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.
  4. Notify your company or agent of your intention to cancel your current coverage. Submit a down payment along with a completed application for your new policy. Once received, put the new proof of insurance paperwork in an easily accessible location.

The critical component of shopping around is that you use the same coverage limits and deductibles on each quote and and to get rate quotes from as many companies as possible. This provides an accurate price comparison and the best price selection.

Insurance for Toyota HighlanderIt's easy to assume that auto insurance companies don't want you shop around. People who compare other rates are inclined to switch companies because they stand a good chance of finding a lower-cost company. Surprisingly, a recent survey revealed that drivers who compared prices regularly saved about $850 each year compared to those who never shopped around for lower prices.

If finding the cheapest price on Toyota Highlander insurance is your intention, then knowing how to quote and compare insurance coverage can make it easier to find better rates.

How to compare Toyota Highlander insurance quotes in Jersey City, NJ

When shopping for the cheapest Toyota Highlander rate quotes, there are a couple of ways of comparing rates from many different New Jersey insurance companies. The quickest method to find the lowest Toyota Highlander rates is simply to get online rate quotes.

When quoting car insurance, remember that having more price comparisons helps increase your odds of locating better pricing.

The auto insurance companies shown below are ready to provide free quotes in Jersey City, NJ. In order to find cheap car insurance in Jersey City, NJ, it's a good idea that you compare several of them to get a more complete price comparison.

Rate information and statistics

The rate information below covers estimates of coverage prices for Toyota Highlander models. Being aware of how car insurance prices are figured can help customers make decisions when choosing a new policy provider.

Toyota Highlander Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $260 $406 $544 $32 $162 $1,404 $117
Highlander 4WD $294 $494 $544 $32 $162 $1,526 $127
Highlander Sport 4WD $294 $494 $544 $32 $162 $1,526 $127
Highlander SE 2WD $294 $494 $544 $32 $162 $1,526 $127
Highlander Sport 2WD $294 $494 $544 $32 $162 $1,526 $127
Highlander Limited 2WD $326 $582 $544 $32 $162 $1,646 $137
Highlander SE 4WD $326 $582 $544 $32 $162 $1,646 $137
Highlander Limited 4WD $326 $582 $544 $32 $162 $1,646 $137
Highlander Hybrid 4WD $326 $582 $544 $32 $162 $1,646 $137
Highlander Hybrid Limited 4WD $326 $582 $544 $32 $162 $1,646 $137
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price estimates do not factor in zip code location which can decrease or increase price quotes considerably.

Physical damage deductibles

When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The tables below may help to conceptualize the difference in cost when you buy lower versus higher coverage deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Toyota Highlander insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $414 $614 $480 $28 $144 $1,705 $142
Highlander 4WD $466 $746 $480 $28 $144 $1,889 $157
Highlander Sport 4WD $466 $746 $480 $28 $144 $1,889 $157
Highlander SE 2WD $466 $746 $480 $28 $144 $1,889 $157
Highlander Sport 2WD $466 $746 $480 $28 $144 $1,889 $157
Highlander Limited 2WD $520 $880 $480 $28 $144 $2,077 $173
Highlander SE 4WD $520 $880 $480 $28 $144 $2,077 $173
Highlander Limited 4WD $520 $880 $480 $28 $144 $2,077 $173
Highlander Hybrid 4WD $520 $880 $480 $28 $144 $2,077 $173
Highlander Hybrid Limited 4WD $520 $880 $480 $28 $144 $2,077 $173
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Toyota Highlander insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $230 $324 $480 $28 $144 $1,206 $101
Highlander 4WD $258 $394 $480 $28 $144 $1,304 $109
Highlander Sport 4WD $258 $394 $480 $28 $144 $1,304 $109
Highlander SE 2WD $258 $394 $480 $28 $144 $1,304 $109
Highlander Sport 2WD $258 $394 $480 $28 $144 $1,304 $109
Highlander Limited 2WD $288 $464 $480 $28 $144 $1,404 $117
Highlander SE 4WD $288 $464 $480 $28 $144 $1,404 $117
Highlander Limited 4WD $288 $464 $480 $28 $144 $1,404 $117
Highlander Hybrid 4WD $288 $464 $480 $28 $144 $1,404 $117
Highlander Hybrid Limited 4WD $288 $464 $480 $28 $144 $1,404 $117
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific location information which can impact coverage prices considerably.

Based on this data, using a $100 deductible costs roughly $52 more each month or $624 a year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 17 months between claims, you would save money if you choose the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $164
Average monthly premium for $1,000 deductibles (subtract): - $112
Monthly savings from raising deductible: $52
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $52
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important note is that higher deductibles means you will have to pay more of your own money when you have a physical damage claim. You should have some savings in the bank in the event you have to pay more to get your vehicle repaired.

The example below shows how different deductible levels and can change Toyota Highlander insurance prices for different age groups of insureds. The information is based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

How careless driving impacts car insurance rates

The diagram below shows how traffic citations and at-fault accidents influence Toyota Highlander auto insurance rates for different age categories. Data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Toyota Highlander insurance premiums by gender and age

The information below visualizes the comparison of Toyota Highlander auto insurance costs for male and female drivers. The data assumes no violations or claims, full coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Full coverage versus liability only rates

The diagram below visualizes the comparison of Toyota Highlander annual premium costs with liability coverage only compared to full coverage. The premium estimates are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no additional discounts are factored in.

When to drop full coverage

There isn't a steadfast formula for phasing out full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Toyota Highlander replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying your deductible. If you are paying more than $700 a year for physical damage coverage, then you might consider buying liability only.

There are a few cases where eliminating full coverage is not recommended. If you haven't satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage.

Which is the best insurance?

Always keep in mind that when comparing coverage online or from an agent for your vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different.Insurance savings

Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • Do all my vehicles need collision coverage?
  • Why am I required to buy high-risk coverage?
  • Do I need more liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Is business property covered if stolen from my car?
  • What should my uninsured motorist coverage limits be in New Jersey?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance agents can give valuable advice

Many drivers still like to get advice from a local agent and that is a personal choice. An additional benefit of comparing rate quotes online is you may find the best rates and still have an agent to talk to. And supporting local agents is important particularly in Jersey City.

Jersey City insurance agentsTo find an agent, once you fill out this simple form, your coverage information is sent to local insurance agents in Jersey City who will give you bids for your business. You never need to leave your computer because quoted prices will be sent straight to your inbox. You'll get the best rates and a licensed agent to work with. If you wish to compare rates from one company in particular, you would need to jump over to their website to submit a rate quote request.

Auto insurance agents in Jersey City come in two varieties

When looking for a good Jersey City insurance agent, it's helpful to know the types of insurance agents and how they are distinctly different. Agents in Jersey City can be categorized as either exclusive or independent.

Independent Car Insurance Agents (or Brokers)

Independent insurance agents are not required to write business for one company so they have the ability to put coverage with a variety of different insurance companies depending on which coverage is best. If your agent finds better pricing, your policy is moved internally and you don't have to find a new agent.

When comparing rates, we recommend you get quotes from at least one independent agent for the best price selection. Most also have access to smaller regional carriers which may have better rates.

Shown below is a partial list of independent insurance agents in Jersey City that may be able to provide pricing information.

  • Blake Agency
    370 Pacific Ave - Jersey City, NJ 07304 - (201) 209-0065 - View Map
  • Wexford Insurance
    45 Laidlaw Ave - Jersey City, NJ 07306 - (201) 659-6050 - View Map
  • Petrocci Agency
    1674 John F. Kennedy Blvd # A - Jersey City, NJ 07305 - (201) 434-4760 - View Map

More Jersey City agents

Exclusive Agents

Agents that elect to be exclusive work for only one company such as Allstate, State Farm and Farmers Insurance. These agents are unable to provide rate quotes from other companies so it's a take it or leave it situation. Exclusive agents are usually quite knowledgeable on their company's products and that can be a competitive advantage. Consumers sometimes use the same exclusive agent mostly because of the brand legacy and the convenience of having a single billing for all their coverages.

Listed below are Jersey City exclusive insurance agencies that can give you price quote information.

More Jersey City agents

Selecting a insurance agency should include more criteria than just the price. Any agent in Jersey City should have no problem answering these questions:

  • Do the companies they represent have a solid financial rating?
  • Do they specialize in personal lines coverage in Jersey City?
  • How long has the business existed?
  • What company holds the largest book of business for them?
  • Can you get a list of referrals?
  • Do they reduce claim amounts on high mileage vehicles?
  • How often do they review policy coverages?
  • Are you getting all the discounts the company offers?